Personal Credit Report JOSEPH A. MORSE Source: TransUnion October 2, 2011 Available until November 1, 2011 Display a printer friendly version Found an inaccuracy? Click to learn about correcting -Begin Credit Report- File Number: 310188371 Name:JOSEPH A. MORSE Other Names: JOE ALAN MORSE You have been on our files since 08/01/1987SSN:563-04-7533Date of Birth:08/26/1961Telephone:465-1034 CURRENT ADDRESS Address:1010 BUTTE ST 16 CRESCENT CITY, CA 95531 Reported:06/30/2008OTHER ADDRESSES Address:239 PO BOX 239 SMITH RIVER, CA 95567 Reported:02/28/2006 Address:1304 GRAY AV 40 YUBA CITY, CA 95991 Special Notes: The display of your account numbers has been modified in this report for your protection. Also, If any item on your credit report begins with 'MEDICAL-', it includes medical information and the data following 'MEDICAL-' is not displayed to anyone but you except where permitted by law. The key to the right helps explain the payment history information contained in some of the accounts below. Not all accounts will contain payment history information, but some creditors report how you make payments each month in relation to your agreement with them. The following accounts contain information which some creditors may consider to be adverse. Adverse account information may generally be reported for 7 years from the date of the first delinquency, depending on your state of residence. The adverse information in these accounts has been printed in >brackets< or is shaded for your convenience, to help you understand your report. They are not bracketed or shaded this way for creditors. SLFC #563047****501 BLEEKER STREET UTICA, NY 13501 (800) 835-4611 Balance:$0Date Updated:05/31/2011High Balance:$2,730Original Creditor:SLFC EDUCATION LOANS (Educational)Pay Status:>Account 120 Days Past Due DateMaximum Delinquency of 120 days occurred in 10/2008< Estimated month and year that this item will be removed: 06/2017 Late Payments (36 months) 0211Last 36 months YUBA CTY DCSS #5800000000040****PO BOX 2069 MARYSVILLE, CA 95901-2069 (530) 749-6000 Balance:$0Date Updated:02/28/2009High Balance:$0Pay Status:Current; Paid or Paying as AgreedAccount Type:Open AccountResponsibility:Individual AccountDate Opened:04/02/1991Date Closed:03/27/2007Loan Type: CHILD SUPPORT Remarks: TRANSFERRED TO ANOTHER OFFICE >Maximum Delinquency of 120 days occurred in 04/2006 for $60,790< Late Payments (37 months) 118Last 37 months CMI #4659****4200 INTERNATIONAL PKWY CARROLLTON, TX 75007-1912 (800) 377-7723 Balance:$190Date Updated:07/08/2011Original Amount:$600Original Creditor:COMCAST WEST DIVISION (Cable/Cellular)Past Due: >$190< Pay Status:>In CollectionPLACED FOR COLLECTION< Estimated month and year that this item will be removed: 01/2018 CREDIT BUREAU NORTH AMER #159541****P O BOX 550 DICKSON, TN 37055 (615) 446-7128 Balance:$0Date Updated:03/04/2009Original Amount:$580Original Creditor:DMG LLCLast Payment:03/04/2009Pay Status:>Account Paid in Full; was a CollectionPAID COLLECTION< Estimated month and year that this item will be removed: 09/2013 FOCUS RECEIVABLES MANAGE #1473****1130 NORTHCHASE PK SUITE 150 MARIETTA, GA 30067 (877) 362-8766 Balance:$223Date Updated:09/27/2011Original Amount:$223Original Creditor:DIRECTV (Cable/Cellular)Past Due: >$223< Pay Status:>In CollectionPLACED FOR COLLECTION< Estimated month and year that this item will be removed: 05/2017 SOUTHERN OREGON CR SERV #10327**841 W STEWART AVE SUITE 11 MEDFORD, OR 97501-4091 (541) 773-6238 Balance:$644Date Updated:01/31/2011Original Amount:$618Original Creditor:MEDICAL-CARDIOLOGY CONSULTANTS (Medical/Health Care)Past Due: >$644< Pay Status:>In CollectionPLACED FOR COLLECTION< Estimated month and year that this item will be removed: 10/2016 The following accounts are reported with no adverse information. FIRST PREMIER BANK #517800622136****3820 N LOUISE AVE SIOUX FALLS, SD 57107-0145 (800) 987-5521 Balance:$0Date Updated:06/07/2010High Balance:$220Credit Limit:$250Pay Status:Current; Paid or Paying as AgreedAccount Type:Revolving AccountResponsibility:Individual AccountDate Opened:12/31/2009Date Closed:02/21/2010Loan Type: CREDIT CARD Remarks: ACCOUNT CLOSED BY CONSUMER Late Payments (5 months) 000Last 5 months STUDENT LOAN FIN CORP #56304753****124 S 1ST ST ABERDEEN, SD 57401-4173 (800) 592-1270 Balance:$0Date Updated:06/18/2008High Balance:$2,625Pay Status:Current; Paid or Paying as AgreedAccount Type:Installment AccountResponsibility:Individual AccountTerms:$50 Monthly for 64 monthsDate Opened:11/08/2005Date Closed:06/18/2008Loan Type: STUDENT LOAN Remarks: TRANSFERRED TO ANOTHER LENDER Late Payments (31 months) 000Last 31 months The following companies have received your credit report. Their inquiries remain on your credit report for two years. T-MOBILE12920 SE 38TH STRE BELLEVUE, WA 98006 (800) 318-9270 Requested On: 04/01/2011InquiryType: IndividualFIRST PREMIER BANK 3820 N LOUISE AVE SIOUX FALLS, SD 57104 (605) 357-3440 Requested On: 12/23/2009InquiryType: Individual The companies listed below obtained information from your consumer report for the purpose of an account review or other business transaction with you. These inquiries are not displayed to anyone but you and will not affect any creditor's decision or any credit score (except insurance companies may have access to other insurance company inquiries and users of a report for employment purposes may have access to other employment inquiries, where permitted by law). RECEIVABLES PERFORM MGMT 20816-44 AVE WEST LYNWOOD, WA 98036 (866) 212-7408 Requested On: 09/29/2011 T-MOBILE 12920 SE 38TH ST BELLEVIEW, WA 98006 (800) 937-8997Requested On: 07/16/2011 PORTFOLIO RECOVERY ASSOC 140 CORPORATE BLVD NORFOLK, VA 23502 Phone number not availableRequested On: 04/04/2011 VERIFACTS INC 204 1ST AVE STERLING, IL 61081 (815) 626-9300 Requested On: 03/03/2011 Permissible Purpose: COLLECTION WESTERN DENTAL 530 S MAIN ST ORANGE, CA 92868 (866) 483-2063 Requested On: 12/27/2010 ASSET ACCEPTANCE POB 1630 WARREN, MI 48090 (800) 614-4730Requested On: 11/19/2010 AFNI POB 3097 BLOOMINGTON, IL 61702 (800) 371-3645Requested On: 10/12/2010 PORTFOLIO RECOVERY ASSOC 120 CORPORATE BLVD NORFOLK, VA 23502 Phone number not available Requested On: 09/24/2010 CBE GROUP 1309 TECHNOLOGY PK CEDAR FALLS, IA 50613 (800) 925-6686 Requested On: 09/19/2010 PORTFOLIO RECOVERY ASSO 140 CORPORATE BLVD NORFOLK, VA 23502 Phone number not availableRequested On: 07/20/2010 VERIZON 500 TECHNOLOGY DRI STE 300 WELDON SPRING, MO 63304 Phone number not availableRequested On: 03/17/2010 Permissible Purpose: COLLECTION Your credit report contains the following messages. PROMOTIONAL OPT-OUT: This file has been opted out of promotional lists supplied by TransUnion. (Note: This opt-out has no expiration date.) -End of Credit Report- Should you wish to contact TransUnion, you may do so, Online: To learn about reporting an inaccuracy click here. For answers to general questions, please visit: www.transunion.com By Mail: TransUnion Consumer Relations P.O. Box 2000 Chester, PA 19022-2000 By Phone: (800) 916-8800 You may contact us between the hours of 8:00 a.m. and 11:00 p.m. Eastern Time, Monday through Friday, except major holidays. For all correspondence, please have your TransUnion file number available (located at the top of this report). Para informacion en espanol, visite www.ftc.gov/credit o escribe a la FTC Consumer Response Center, Room 130-A, 600 Pennsylvania Ave., N.W., Washington, D.C. 20580. A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.ftc.gov/credit, or write to Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave., N.W., Washington. D.C. 20580. You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment -- or to take another adverse action against you -- must tell you, and must give you the name, address, and phone number of the agency that provided the information. You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your "file disclosure"). You will be required to provide proper identification, which may include your Social Security Number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: a person has taken adverse action against you because of information in your credit report; you are the victim of identity theft and place a fraud alert in your file; your file contains inaccurate information as a result of fraud; you are on public assistance; you are unemployed but expect to apply for employment within 60 days. In addition, by September 2005 all consumers will be entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.ftc.gov/credit for more information. You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender. You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.ftc.gov/credit for an explanation of dispute procedures. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, the consumer reporting agency is not required to remove accurate derogatory information from your file unless it is outdated (as described below) or cannot be verified. A consumer reporting agency may continue to report information it has verified as accurate. Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need -- usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to www.ftc.gov/credit. You may limit "prescreened" offers of credit and insurance you get based on information in your credit report. Unsolicited "prescreened" offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-567-8688 (888-5OPTOUT). You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. Identity theft victims and active duty military personnel have additional rights. For more information, visit www.ftc.gov/credit. States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. Federal enforcers are: TYPE OF BUSINESS: CONTACT: Consumer reporting agencies, creditors and others not listed below. Federal Trade Commission Consumer Response Center - FCRA Washington, DC 20580 1-877-382-4357 National banks, federal branches/agencies of foreign banks (word "National" or initials "N.A." appear in or after bank's name) Office of the Comptroller of the Currency Compliance Management, Mail Stop 6-6 Washington, DC 20219 1-800-613-6743 Federal Reserve System member banks (except national banks, and federal branches/agencies of foreign banks) Federal Reserve Consumer Help PO Box 1200 Minneapolis, MN 55480 1-202-452-3693 Savings associations and federally chartered savings banks (word "Federal" or initials "F.S.B." appear in federal institution's name) Office of Thrift Supervision Consumer Complaints Washington, DC 20552 1-800-842-6929 Federal credit unions (words "Federal Credit Union" appear in institution's name) National Credit Union Administration 1775 Duke Street Alexandria, VA 22314 1-703-519-4600 State-chartered banks that are not members of the Federal Reserve System Federal Deposit Insurance Corporation Consumer Response Center 2345 Grand Avenue, Suite 100 Kansas City, Missouri 64108-2638 1-877-275-3342 Air, surface, or rail common carriers regulated by former Civil Aeronautics Board or Interstate Commerce Commission Department of Transportation Office of Financial Management Washington, DC 20590 1-202-366-1306 Activities subject to the Packers and Stockyards Act, 1921 Department of Agriculture Office of Deputy Administrator - GIPSA Washington, DC 20250 1-202-720-7051 Information Regarding State Laws California Residents You have the right to obtain a copy of your credit file from a consumer credit reporting agency. You may be charged a reasonable fee not exceeding eight dollars ($8). There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The consumer credit reporting agency must provide someone to help you interpret the information in your credit file. You have the right to dispute inaccurate information by contacting the consumer credit reporting agency directly. However, neither you nor any credit repair company or credit service organization has the right to have accurate, current, and verifiable information removed from your credit report. Under the Federal Fair Credit Reporting Act, the consumer credit reporting agency must remove accurate, negative information from your report only if it is over seven years old. Bankruptcy information can be reported for 10 years. If you have notified a consumer credit reporting agency in writing that you dispute the accuracy of information in your file, the consumer credit reporting agency must then, within 30 business days, reinvestigate and modify or remove inaccurate information. The consumer credit reporting agency may not charge a fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the consumer credit reporting agency. If reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the consumer credit reporting agency to keep in your file, explaining why you think the record is inaccurate. The consumer credit reporting agency must include your statement about disputed information in a report it issues about you. You have a right to receive a record of all inquiries relating to a credit transaction initiated in 12 months preceding your request. This record shall include the recipients of any consumer credit report. You may request in writing that the information contained in your file not be provided to a third party for marketing purposes. You have a right to place a "security alert" in your credit report, which will warn anyone who receives information in your credit report that your identity may have been used without your consent. Recipients of your credit report are required to take reasonable steps, including contacting you at the telephone number you may provide with your security alert, to verify your identity prior to lending money, extending credit, or completing the purchase, lease, or rental of goods or services. The security alert may prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that taking advantage of this right may delay or interfere with the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or cellular phone or other new account, including an extension of credit at point of sale. If you place a security alert on your credit report, you have a right to obtain a free copy of your credit report at the time the 90-day security alert period expires. A security alert may be requested by calling the following toll-free telephone number: 800-680-7289. California consumers also have the right to obtain a "security freeze." You have the right to place a "security freeze" on your credit report, which will prohibit a consumer credit reporting agency from releasing any information in your credit report without your express authorization. A security freeze must be requested in writing by mail. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or cellular phone or other new account, including an extension of credit at point of sale. When you place a security freeze on your credit report, you will be provided a personal identification number or password to use if you choose to remove the freeze on your credit report or authorize the release of your credit report for a specific party or period of time after the freeze is in place. To provide that authorization you must contact the consumer credit reporting agency and provide all of the following: (1) The personal identification number or password. (2) Proper identification to verify your identity. (3) The proper information regarding the third party who is to receive the credit report or the period of time for which the report shall be available to users of the credit report. A consumer credit reporting agency must authorize the release of your credit report no later than three business days after receiving the above information. A security freeze does not apply when you have an existing account and a copy of your report is requested by your existing creditor or its agents or affiliates for certain types of account review, collection, fraud control, or similar activities. If you are actively seeking credit, you should understand that the procedures involved in lifting a security freeze may slow your application for credit. You should plan ahead and lift a freeze, either completely if you are shopping around, or specifically for a certain creditor, before applying for new credit. A consumer credit reporting agency may not charge a fee to a consumer for placing or removing a security freeze if the consumer is a victim of identity theft and submits a copy of a valid police report or valid Department of Motor Vehicles investigative report. A person 65 years of age or older with proper identification may be charged a fee of no more than $5 for placing, lifting, or removing a security freeze. All other consumers may be charged a fee of no more than $10 for each of these steps. You have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly or willfully misuses file data, or fails to correct inaccurate file data. If you are a victim of identity theft and provide to a consumer credit reporting agency a copy of a valid police report or a valid investigative report made by a Department of Motor Vehicles investigator with peace officer status describing your circumstances, the following shall apply: (1) You have a right to have any information you list on the report as allegedly fraudulent promptly blocked so that the information cannot be reported. The information will be unblocked only if (A) the information you provide is a material misrepresentation of the facts, (B) you agree that the information is blocked in error, or (C) you knowingly obtained possession of goods, services, or moneys as a result of the blocked transactions. If blocked information is unblocked, you will be promptly notified. (2) Beginning July 1, 2003 you have a right to receive, free of charge and upon request, one copy of your credit report each month for up to 12 consecutive months. privacy | help �Copyright 2011 TransUnion, LLC. All Rights Reserved.